CN111242762A - Financial product purchasing method, device and system - Google Patents
Financial product purchasing method, device and system Download PDFInfo
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Abstract
The invention provides a financial product purchasing method, a device and a system, wherein the financial product purchasing method comprises the following steps: s101: receiving a financial product purchase request sent by a client through the client, sending the financial product purchase request to an intermediate service system, carrying out wind control verification through the intermediate service system, judging whether the wind control verification passes, if so, executing S102, and if not, rejecting the financial product purchase request; s102: transferring funds of the client according to the request for the procurement of the financial products; s103: and returning a financial product subscription result to the client through the client, and sending the data of successful transfer and no purchase to the message queue for financial product subscription. The method and the system can ensure the access stability of the system background, lead the wind control verification processes such as product verification and the like, asynchronously process the client fund transfer and the product purchase process, synchronously process a plurality of transaction nodes, reduce the purchase process and the transaction time consumption, and improve the system processing capacity and the client experience.
Description
Technical Field
The invention relates to the field of financial sales, in particular to a financial product purchasing method, device and system.
Background
With the continuous development of financial business, personal financial business is more and more abundant, and more investors participating in personal financial management are available, so that it is a good choice to invest funds into capital markets, such as purchasing financial products of banks, in order to obtain good financial benefits.
Moreover, with the development of internet technology, internet finance brings more convenient experience to users, in the past, purchasing financial products needs to go to a bank outlet to queue for transaction, the internet finance realizes online operation on the operation flow of the financial products, and the users can purchase or sell related financial products online through the internet.
However, the single-core architecture of the conventional system processes the financial product purchase process, the whole purchase process is too long, transaction nodes are more and can only be processed one by one, so that the transaction consumes long time, the processing capacity of the whole system is reduced, and the customer experience is poor.
Disclosure of Invention
In order to overcome the defects of the prior art, the invention provides a financial product purchasing method, device and system, which can lead wind control verification processes such as product verification and the like to the front while ensuring the access stability of a system background, and synchronously process a plurality of transaction nodes by transferring customer funds and asynchronously processing a product purchasing process, thereby reducing the purchasing process and the transaction time consumption, and improving the system processing capacity and the customer experience.
In order to solve the above problems, the present invention adopts a technical solution as follows: a financial product purchasing method, comprising S101: receiving a financial product procurement request sent by a client, sending the financial product procurement request to an intermediate service system, performing wind control verification through the intermediate service system, and judging whether the wind control verification passes, wherein the wind control verification comprises product verification and system verification, if so, executing S102, and if not, rejecting the financial product procurement request; s102: transferring funds of the customer according to the financial product procurement request; s103: and returning a financial product subscription result to the client through the client, and sending the data of successful transfer and non-purchase to a message queue for financial product subscription.
Further, the financial product subscription request comprises a purchase amount and a financial product name.
Further, the step of transferring the funds of the customer according to the financial product procurement request specifically includes: and collecting the funds of the other users in the line of the customer into the line according to the purchase amount, or collecting the funds of the other users in the line of the customer into a special account.
Further, the wind control verification comprises at least one of a product sale period, a product sale total amount, a single client single-time purchase payment amount, a single client daily purchase payment number, a blacklist client identifier, a client certificate validity period, a risk client identifier, a client withholding channel and a client two-comparison result.
Further, the step of sending the data of successful transfer and non-purchase to the message queue for asynchronous financial product subscription according to the data specifically includes: and capturing data which are successfully transferred and not purchased, sending the data to a message queue, controlling a product system to purchase financial products according to the message queue, and sending a purchase result to the message queue to register a purchase requisition result.
Further, after registering the procurement results, the method further comprises the following steps:
and acquiring data of purchase failure according to the purchase result, carrying out error processing according to the data, and carrying out secondary purchase or correcting the transaction state according to the error processing result.
Further, the step of performing error processing according to the data specifically includes:
and synchronously carrying out error notification and monitoring early warning according to the data to show that the transaction state of the financial product is confirmed.
Based on the same inventive concept, the present application further proposes a financial product purchasing apparatus, S201: receiving a financial product procurement request sent by a client through the client, sending the financial product procurement request to an intermediate service system, and carrying out wind control verification through the intermediate service system, wherein the wind control verification comprises product verification and system verification, if the wind control verification is passed, S202 is executed, and if the wind control verification is failed, the financial product procurement request is rejected; s202: transferring funds of the customer according to the financial product procurement request; s203: and returning a financial product subscription result to the client through the client, and sending the data of successful transfer and non-purchase to a message queue for financial product subscription.
Further, the financial product subscription request comprises a purchase amount and a financial product name.
Based on the same inventive concept, the invention further provides a financial product purchasing system, which comprises a client and a financial product purchasing device, wherein the client is in communication connection with the financial product purchasing device; the client is used for receiving a financial product subscription request input by the client, sending the financial product subscription request to the financial product purchasing device and receiving a financial product subscription result returned by the financial product purchasing device; the financial product purchasing apparatus includes the financial product purchasing apparatus as described above.
Compared with the prior art, the invention has the beneficial effects that: the method has the advantages that wind control verification processes such as product verification and the like are arranged in front while the background access stability of the system is guaranteed, client fund transfer and product purchase processes are processed asynchronously, a plurality of transaction nodes are processed synchronously, the purchase process and the transaction time are reduced, and the system processing capacity and the client experience are improved.
Drawings
FIG. 1 is a flowchart of an embodiment of a method for purchasing a financial product according to the present invention;
FIG. 2 is a flow chart of an embodiment of a method for purchasing a financial product according to the present invention;
FIG. 3 is a flow chart illustrating an embodiment of in-line product procurement in the financial product purchasing method of the invention;
FIG. 4 is a flowchart of an embodiment of the inline product daemon in the method for purchasing a financial product according to the invention;
FIG. 5 is a block diagram illustrating an embodiment of a financial product purchasing apparatus according to the present invention;
FIG. 6 is a flowchart illustrating a financial product purchasing method implemented by the financial product purchasing apparatus according to an embodiment of the present invention;
FIG. 7 is a block diagram of an embodiment of a financial product purchasing system according to the present invention.
Detailed Description
The present invention will be further described with reference to the accompanying drawings and the detailed description, and it should be noted that any combination of the embodiments or technical features described below can be used to form a new embodiment without conflict.
Referring to fig. 1-5, fig. 1 is a flow chart illustrating a financial product purchasing method according to an embodiment of the present invention; FIG. 2 is a flow chart of an embodiment of a method for purchasing a financial product according to the present invention; FIG. 3 is a flow chart illustrating an embodiment of in-line product procurement in the financial product purchasing method of the invention; FIG. 4 is a flowchart illustrating an embodiment of the inline product daemon in the method for purchasing financial products according to the present invention. The financial product purchasing method according to the present invention will be described in detail with reference to fig. 1 to 4.
In the present embodiment, the financial product purchasing method includes:
s101: receiving a financial product subscription request sent by a client, sending the financial product subscription request to an intermediate service system, and performing wind control verification through the intermediate service system, wherein the wind control verification comprises product verification and system verification, if the wind control verification is passed, S102 is executed, and if the wind control verification is failed, the financial product subscription request is rejected.
In this embodiment, the device executing the financial product purchasing method may be a computer, a server, a cloud server, a tablet computer, a mobile phone, and other physical intelligent devices or virtual terminals.
In this embodiment, the financial products are traditional deposit products, and in other embodiments, the financial products may also be funds, bonds, and other financial management products.
In this embodiment, the customer sends a request for requesting the purchase of a financial product to the bank through an internet channel on the intelligent terminal, wherein the internet channel may be a payment treasure, WeChat, Jingdong, and other internet channels for providing financial products for the bank.
In the present embodiment, the financial product subscription request includes a purchase amount and a financial product name. In other embodiments, the financial product subscription request may further include customer information, information such as a bank card corresponding to the financial product subscription request, and the like.
In this embodiment, the wind control verification includes at least one of a product sale period, a total product sale amount, a single client single-time subscription amount, a single client daily subscription number, a blacklist client identifier, a client certificate validity period, a risk client identifier, a client withholding channel, and a client two-comparison result. The content of the wind control verification can be freely assembled and configured according to specific services.
The single client single-term purchase payment is configured according to the bank to which the bank card corresponding to the financial product purchase request sent by the client belongs, and the client withholding channel is also configured according to the bank to which the bank card belongs. And the client compares the identity photo information provided by the user with the client identity photo information stored in the network according to the comparison result.
In this embodiment, if the wind control verification fails, it is determined that the customer does not qualify to purchase the financial product, and information for rejecting the request for requesting purchase of the financial product is sent to the client. The information can be voice, mail, short message and other information which can be identified by the user.
In one embodiment, the bank issues the bank's traditional deposit products to an internet channel for display. The method comprises the steps that a customer colludes a corresponding product through a front-end page of an internet channel, a financial product purchase applying request is sent to equipment for executing the financial product purchase method through the internet channel after a corresponding purchase amount is input, after the equipment receives the financial product purchase applying request sent by the customer, wind control verification such as product verification and system verification is completed through an intermediate service system, whether the user has purchase qualification or not is judged according to the wind control verification, if the wind control verification passes, the customer has the verification qualification, and the next step can be executed. If the wind control verification fails, the client does not have verification qualification, and sends out the information of the financial product purchase applying request to the client if the wind control verification fails.
S102: and transferring the funds of the client according to the request for the procurement of the financial products.
In this embodiment, the money that the customer uses to purchase the financial product may be located in the bank to which the apparatus for performing the financial product purchase method belongs, or may be located in another bank. Before the financial product is applied, the fund needs to be transferred into a bank or a special account number of the device to complete the fund recharge of the customer.
In a specific embodiment, the other bank different from the bank to which the apparatus for executing the financial product purchasing method belongs is referred to as his bank, the bank to which the apparatus belongs is referred to as home bank, and the apparatus collects the funds of the customers in the class of users in his bank into the home bank or collects the funds of the class of users in the home bank into a special account according to the purchase amount in the financial product purchase applying request to realize fund recharging.
S103: and returning a financial product subscription result to the client through the client, and sending the data of successful transfer and no purchase to the message queue for financial product subscription.
In this embodiment, the customer fund recharging result is confirmed as a financial product subscription result, and when the customer fund recharging is successful, information of successful financial product subscription is sent to the customer through the client.
In the embodiment, the financial product subscription result is sent to the client, and meanwhile, the in-line financial product subscription flow is asynchronously carried out, so that the purchase time is shortened, and the transaction processing speed is increased.
In a specific embodiment, the transaction time of the whole financial product purchasing process can be reduced from 20 seconds to 7 seconds by the financial product purchasing method; the number of supportable concurrencies is increased from 8TPS (Transactions PerSecond) to 35 TPS.
In this embodiment, the step of sending the data of successful transfer and non-purchase to the message queue for the financial product subscription specifically includes: and sending the data of the financial products which are successfully transferred but not purchased to an MQ (message queue), controlling the product system to purchase the financial products according to the message queue, and sending the purchase result to the message queue to register the purchase requisition result through the message queue. And the product system performs product subscription on the specified financial product according to the financial product subscription request corresponding to the data, and transfers the fund collected to the bank to the account number related to the financial product so as to complete the purchase of the financial product. If the product system fails to purchase the financial products according to the data, the information of failure of purchase applying is also sent to the message queue.
In this embodiment, after registering the procurement results, the method further includes: and acquiring a purchase result through the message queue, acquiring data of purchase failure according to the purchase result, performing error processing according to the data, acquiring an error processing result, and performing secondary purchase or correcting the transaction state according to the error processing result.
In this embodiment, the step of performing error processing according to the data specifically includes: and carrying out error notification and monitoring early warning according to data synchronization to show the transaction state of the confirmed financial product.
The error notification comprises notifying a manual processor in a short message, WeChat, mail or other modes, wherein the manual processor performs manual confirmation processing on abnormal transactions in the data according to the received information, confirms and processes the abnormal transactions in a manual access and processing mode, and corrects the purchase result of the abnormal transactions into failure or success according to the processing result.
And when the manual processing personnel are informed, monitoring, early warning and displaying the data of the purchase failure are carried out. Wherein, the monitoring and early warning show includes that the automatic processing is carried out according to the purchase failure reason that the data correspond, and the automatic processing mode includes: 1. overtime transaction, synchronizing the final purchase result, and failing or succeeding; 2. inquiring whether the last subscription is definitely failed or not, and updating the transaction state, namely the purchase result, to be finally failed; 3. and (4) the associated system reports errors abnormally to cause transaction failure, corrects the purchase result into final failure aiming at the clearly known errors, corrects other errors into errors and sends the errors to a manual processing personnel for manual processing.
After the data of the purchase failure is processed in a manual and automatic processing mode, the transaction state corresponding to the data is further monitored and early-warned, whether the corrected transaction state is successful or not is judged, if yes, the transaction is determined to be successful, and the transaction result corresponding to each system or the storage information related to the transaction result is corrected to be successful. If not, jumping to the re-purchasing process, namely jumping to the financial product subscription process, so as to re-purchase the financial product according to the financial product subscription request.
In a specific embodiment, an asynchronous batch task is executed, successful recharging and unpurchased data are captured, a subscription message is sent to an MQ message queue, a product system acquires the unpurchased data through the message queue, a financial product purchasing process is synchronously initiated, and a purchasing result is sent to the MQ message queue after the process is finished; synchronously executing in-line product daemon, capturing error data of purchase failure in-line procurement in real time, synchronously carrying out error notification and monitoring early warning display, notifying service and science and technology corresponding personnel (short messages, WeChat, mails and the like) of the error data, and after system or manual confirmation processing is finished; and completing error processing, and performing secondary purchase of the financial product on the data of the transaction failure.
Has the advantages that: the financial product purchasing method can ensure the access stability of the system background, meanwhile, the wind control verification processes such as product verification and the like are arranged in front, the client fund transfer and the product purchasing process are processed asynchronously, a plurality of transaction nodes are processed synchronously, the purchasing process and the transaction time consumption are reduced, and the system processing capacity and the client experience are improved.
Based on the same inventive concept, the present invention further provides a financial product purchasing apparatus, please refer to fig. 5 and 6, fig. 5 is a structural diagram of an embodiment of the financial product purchasing apparatus of the present invention; FIG. 6 is a flowchart of an embodiment of a financial product purchasing method implemented by the financial product purchasing apparatus of the present invention, which is described in detail with reference to FIGS. 5 and 6.
The financial product purchasing device comprises a processor and a memory, wherein the processor is coupled with the memory;
the memory stores program data, and the processor implements the financial product purchasing method as described in the above embodiments when executing the program data.
In this embodiment, the financial product purchasing device may be a computer, a server, a cloud server, a tablet computer, a mobile phone, and other physical intelligent devices or virtual terminals.
In this embodiment, a processor-implemented method of purchasing a financial product includes:
s201: receiving a financial product purchase request sent by a client through the client, sending the financial product purchase request to an intermediate service system, and performing wind control verification through the intermediate service system, wherein the wind control verification comprises product verification and system verification, if the wind control verification is passed, S202 is executed, and if the wind control verification fails, the financial product purchase request is rejected.
In this embodiment, the financial products are traditional deposit products, and in other embodiments, the financial products may also be funds, bonds, and other financial management products.
In this embodiment, the customer sends a request for requesting the purchase of a financial product to the bank through an internet channel on the intelligent terminal, wherein the internet channel may be a payment treasure, WeChat, Jingdong, and other internet channels for providing financial products for the bank.
In the present embodiment, the financial product subscription request includes a purchase amount and a financial product name. In other embodiments, the financial product subscription request may further include customer information, and information such as a bank card corresponding to the financial product subscription request.
In this embodiment, the wind control verification includes at least one of a product sale period, a total product sale amount, a single client single-time subscription amount, a single client daily subscription number, a blacklist client identifier, a client certificate validity period, a risk client identifier, a client withholding channel, and a client two-comparison result. The content of the wind control verification can be freely assembled and configured according to specific services.
The single client single-term purchase payment is configured according to the bank to which the bank card corresponding to the financial product purchase request sent by the client belongs, and the client withholding channel is also configured according to the bank to which the bank card belongs. And the client compares the identity photo information provided by the user with the client identity photo information stored in the network according to the comparison result.
In this embodiment, if the wind control verification fails, it is determined that the customer does not qualify to purchase the financial product, and information for rejecting the request for requesting purchase of the financial product is sent to the client. The information can be voice, mail, short message and other information which can be identified by the user.
In one embodiment, the bank issues the bank's traditional deposit products to an internet channel for display. The method comprises the steps that a customer colludes a corresponding product through a front-end page of an internet channel, a financial product purchase applying request is sent to equipment for executing the financial product purchase method through the internet channel after a corresponding purchase amount is input, after the equipment receives the financial product purchase applying request sent by the customer, wind control verification such as product verification and system verification is completed through an intermediate service system, whether the user has purchase qualification or not is judged according to the wind control verification, if the wind control verification passes, the customer has the verification qualification, and the next step can be executed. If the wind control verification fails, the client does not have verification qualification, and sends out the information of the financial product purchase applying request to the client if the wind control verification fails.
S202: and transferring the funds of the client according to the request for the procurement of the financial products.
In this embodiment, the money that the customer uses to purchase the financial product may be located in the bank to which the apparatus for performing the financial product purchase method belongs, or may be located in another bank. Before the financial product is applied, the fund needs to be transferred into a bank or a special account number of the device to complete the fund recharge of the customer.
In a specific embodiment, the other bank different from the bank to which the apparatus for executing the financial product purchasing method belongs is referred to as his bank, the bank to which the apparatus belongs is referred to as home bank, and the apparatus collects the funds of the customers in the class of users in his bank into the home bank or collects the funds of the class of users in the home bank into a special account according to the purchase amount in the financial product purchase applying request to realize fund recharging.
S203: and returning a financial product subscription result to the client through the client, and sending the data of successful transfer and no purchase to the message queue for financial product subscription.
In this embodiment, the customer fund recharging result is confirmed as a financial product subscription result, and when the customer fund recharging is successful, information of successful financial product subscription is sent to the customer through the client.
In the embodiment, the financial product subscription result is sent to the client, and meanwhile, the in-line financial product subscription flow is asynchronously carried out, so that the purchase time is shortened, and the transaction processing speed is increased.
In a specific embodiment, the transaction time of the whole financial product purchasing process can be reduced from 20 seconds to 7 seconds by the financial product purchasing method; the number of supportable concurrencies is increased from 8TPS (Transactions PerSecond) to 35 TPS.
In this embodiment, the step of sending the data of successful transfer and non-purchase to the message queue for the financial product subscription specifically includes: and sending the data of the financial products which are successfully transferred but not purchased to an MQ (message queue), controlling the product system to purchase the financial products according to the message queue, and sending the purchase result to the message queue to register the purchase requisition result through the message queue. And the product system performs product subscription on the specified financial product according to the financial product subscription request corresponding to the data, and transfers the fund collected to the bank to the account number related to the financial product so as to complete the purchase of the financial product. If the product system fails to purchase the financial products according to the data, the information of failure of purchase applying is also sent to the message queue.
In this embodiment, after registering the procurement results, the method further includes: and acquiring a purchase result through the message queue, acquiring data of purchase failure according to the purchase result, performing error processing according to the data, acquiring an error processing result, and performing secondary purchase or correcting the transaction state according to the error processing result.
In this embodiment, the step of performing error processing according to the data specifically includes: and carrying out error notification and monitoring early warning according to data synchronization to show the transaction state of the confirmed financial product.
The error notification comprises notifying a manual processor in a short message, WeChat, mail or other modes, wherein the manual processor performs manual confirmation processing on abnormal transactions in the data according to the received information, confirms and processes the abnormal transactions in a manual access and processing mode, and corrects the purchase result of the abnormal transactions into failure or success according to the processing result.
And when the manual processing personnel are informed, monitoring, early warning and displaying the data of the purchase failure are carried out. Wherein, the monitoring and early warning show includes that the automatic processing is carried out according to the purchase failure reason that the data correspond, and the automatic processing mode includes: 1. overtime transaction, synchronizing the final purchase result, and failing or succeeding; 2. inquiring whether the last subscription is definitely failed or not, and updating the transaction state, namely the purchase result, to be finally failed; 3. and (4) the associated system reports errors abnormally to cause transaction failure, corrects the purchase result into final failure aiming at the clearly known errors, corrects other errors into errors and sends the errors to a manual processing personnel for manual processing.
After the data of the purchase failure is processed in a manual and automatic processing mode, the transaction state corresponding to the data is further monitored and early-warned, whether the corrected transaction state is successful or not is judged, if yes, the transaction is determined to be successful, and the transaction result corresponding to each system or the storage information related to the transaction result is corrected to be successful. If not, jumping to the re-purchasing process, namely jumping to the financial product subscription process, so as to re-purchase the financial product according to the financial product subscription request.
In a specific embodiment, an asynchronous batch task is executed, successful recharging and unpurchased data are captured, a subscription message is sent to an MQ message queue, a product system acquires the unpurchased data through the message queue, a financial product purchasing process is synchronously initiated, and a purchasing result is sent to the MQ message queue after the process is finished; synchronously executing in-line product daemon, capturing error data of purchase failure in-line procurement in real time, synchronously carrying out error notification and monitoring early warning display, notifying service and science and technology corresponding personnel (short messages, WeChat, mails and the like) of the error data, and after system or manual confirmation processing is finished; and completing error processing, and performing secondary purchase of the financial product on the data of the transaction failure.
Has the advantages that: the financial product purchasing device can ensure the access stability of the system background, meanwhile, prepose the wind control verification processes such as product verification and the like, asynchronously process the customer fund transfer and the product purchasing process, synchronously process a plurality of transaction nodes, reduce the purchasing process and the transaction time consumption, and improve the system processing capacity and the customer experience.
Based on the same inventive concept, the present invention further provides a financial product purchasing system, please refer to fig. 7, fig. 7 is a structural diagram of an embodiment of the financial product purchasing system of the present invention, and the financial product purchasing apparatus of the present invention is described with reference to fig. 7.
In the embodiment, the financial product purchasing system comprises a client and a financial product purchasing device, wherein the client is in communication connection with the financial product purchasing device;
the client is used for receiving a financial product subscription request input by the client, sending the financial product subscription request to the financial product purchasing device and receiving a financial product subscription result returned by the financial product purchasing device;
the financial product purchasing apparatus includes the financial product purchasing apparatus as described in the above embodiments.
In this embodiment, the client may be a mobile phone, a computer, a notebook, an autonomous service terminal, or other intelligent terminals that can be used to purchase financial products.
In the embodiments provided in the present invention, it should be understood that the disclosed devices, modules and circuits may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the described modules or device partitions may be merely a logical division, and in actual implementation, there may be additional partitions, for example, multiple modules or modules may be combined or integrated into another system, or some features may be omitted, or not implemented. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be through some interfaces, devices or indirect coupling or communication connection, and may be in an electrical, mechanical or other form.
The components described as separate parts may or may not be physically separate, and the components shown may or may not be physically separate, may be located in one place, or may be distributed in a plurality of places. Some or all of them can be selected according to actual needs to achieve the purpose of the embodiment.
The above embodiments are only preferred embodiments of the present invention, and the protection scope of the present invention is not limited thereby, and any insubstantial changes and substitutions made by those skilled in the art based on the present invention are within the protection scope of the present invention.
Claims (10)
1. A financial product purchasing method, comprising;
s101: receiving a financial product procurement request sent by a client, sending the financial product procurement request to an intermediate service system, performing wind control verification through the intermediate service system, and judging whether the wind control verification passes, wherein the wind control verification comprises product verification and system verification, if so, executing S102, and if not, rejecting the financial product procurement request;
s102: transferring funds of the customer according to the financial product procurement request;
s103: and returning a financial product subscription result to the client through the client, and sending the data of successful transfer and non-purchase to a message queue for financial product subscription.
2. The financial product purchasing method as claimed in claim 1, wherein said financial product subscription request includes a purchase amount, a financial product name.
3. The method of purchasing financial products according to claim 2, wherein said step of transferring funds of said customer in accordance with said request for making a proposal for financial products comprises:
and collecting the funds of the other users in the line of the customer into the line according to the purchase amount, or collecting the funds of the other users in the line of the customer into a special account.
4. The financial product purchasing method as claimed in claim 1, wherein said pneumatic check-up includes at least one of product sale period, total product sale amount, single customer single purchase payment amount, single customer daily purchase payment amount, blacklisted customer identification, customer certificate validity period, risk customer identification, customer withholding channel, and customer double-comparison result.
5. The method of purchasing financial products according to claim 1, wherein said step of sending the data of successful transfer and non-purchase to the message queue for the purchase of financial products comprises:
and capturing data which are successfully transferred and not purchased, sending the data to a message queue, controlling a product system to purchase financial products according to the message queue, and sending a purchase result to the message queue to register a purchase requisition result.
6. The financial product purchasing method as claimed in claim 5, further comprising, after said registering of the procurement results, the steps of:
and acquiring data of purchase failure according to the purchase result, carrying out error processing according to the data, and carrying out secondary purchase or correcting the transaction state according to the error processing result.
7. The financial product purchasing method as claimed in claim 6, wherein said step of performing error processing based on said data specifically includes:
and synchronously carrying out error notification and monitoring early warning according to the data to show that the transaction state of the financial product is confirmed.
8. A financial product purchasing apparatus, comprising a processor and a memory, wherein the processor is coupled to the memory,
the memory stores program data that when executed by the processor implements a financial product purchasing method as follows:
s201: receiving a financial product procurement request sent by a client through the client, sending the financial product procurement request to an intermediate service system, and carrying out wind control verification through the intermediate service system, wherein the wind control verification comprises product verification and system verification, if the wind control verification is passed, S202 is executed, and if the wind control verification is failed, the financial product procurement request is rejected;
s202: transferring funds of the customer according to the financial product procurement request;
s203: and returning a financial product subscription result to the client through the client, and sending the data of successful transfer and non-purchase to a message queue for financial product subscription.
9. The financial product purchasing apparatus as claimed in claim 8, wherein said financial product subscription request includes a purchase amount, a financial product name.
10. A financial product purchasing system, comprising a client, a financial product purchasing apparatus, the client being in communication connection with the financial product purchasing apparatus;
the client is used for receiving a financial product subscription request input by the client, sending the financial product subscription request to the financial product purchasing device and receiving a financial product subscription result returned by the financial product purchasing device;
the financial product purchasing apparatus includes the financial product purchasing apparatus as claimed in any one of claims 8 to 9.
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| CN201911421725.7A CN111242762A (en) | 2019-12-31 | 2019-12-31 | Financial product purchasing method, device and system |
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| CN201911421725.7A CN111242762A (en) | 2019-12-31 | 2019-12-31 | Financial product purchasing method, device and system |
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